What are the damages beside glass? If there were any other damages beside your glass (such as body damage) then you may be required to pay the comprehensive deductible as required by the policy.

Did any person get injured because of the damages?

Did you file an auto glass replacement claim with your insurance provider before now? If you only talk to your agent and if there are no other damages there will be no claim number and hence the answer is no.

When did the auto glass loss occur? The insurance company can’t pick the date of damage for you. If you don’t know the exact time when the damage occur, state the time when you noticed the damage for the first time or the date when the break spread. Be sure that your coverage wasn’t expired on the date of damage. Remember, if you mention the date of auto glass damage in the past which is longer than 6 months or so, the insurance provider may have to collect the information regarding this which will take more time and your claim will be delayed.

In what state did the damage take place? Typically, the answer is in Mesa, Arizona.

What is the size of the damaged area on the windshield? Is it larger than the size of a paper dollar bill? If the answer is yes, then your insurance company will request that you have the windshield repaired versus replaced. It is not clear who will have the final say; You, Arizona Department of Transportation, Insurance Company, or the Windshield Repair Shop. However, we believe that you still have the right to choose. (After all, you pay for the coverage)

Mesa Auto Glass Replacement and your Insurance Company

All major insurance companies approve and accept Arizona Windshield Replacement including: Allstate, Farmers, Geico, Nationwide, USAA, Liberty Mutual, Hartford, Nationwide, Progressive, Esurance, State Farm, AAA, American family, and many many more. By law, Arizona policyholders have the right to select any auto glass replacement shop in Mesa they wish. All insurance company pricing is honored by Arizona Windshield Replacement so that there will never be any additional charges to you. In addition, Arizona Windshield Replacement offers a $50 Cash Incentive (at scheduled service) with any $0 deductible auto glass replacement Mesa insurance claim. For added protection, we also offer a nationwide lifetime windshield warranty.

A third party administrator (TPA) is utilized by many insurance companies for filing insurance claims on their behalf of the insurance companies. Safelite Solutions and LYNX Services are two of the largest TPA providers. Mesa Windshield Replacement is supported by both these providers and is the preferred choice of many insurance companies.

Safelite Solutions (the TPA) should not be confused with Safelite Auto Glass (the auto glass replacement service provider). Although, the two companies are financially affiliated they are legally ran as separate entities. However, if you call your insurance company and you do not have a shop preference, more than likely, Safelite Solutions will send you to their financially affiliated store Safelite Auto Glass. Remember, in Arizona, you have the right to choose your auto glass replacement facility by law and we are an approved shop also by your insurance company. Plus, unlike Safelite, we will bring you $50 CASH just for choosing us as your auto glass replacement Mesa provider!

Insurance companies that utilize Safelite Solutions for auto glass replacement claim handling include; Farmers, Geico, Hartford, Liberty Mutual, Progressive, Esurance, American Family, Nationwide, USAA, and hundreds more. Therefore, if you called your insurance company directly to file a auto glass replacement Mesa claim that is a part of the Safelite Solutions umbrella, you will automatically be connected to Safelite Solutions. Just request Mesa Windshield Replacement as your repair shop choice or call us direct and we will help you file the claim and answer all of your questions before proceeding.

Arizona Windshield Replacement can help you file your auto glass replacement Mesa insurance claim. Call us direct and one of our friendly claim representatives will connect you to the proper auto glass program center. Our claim representative can answer all of your questions and concerns prior to connecting you to your insurance company. In addition, we will stay on the line with you throughout the entire auto glass replacement claim process.

Safelite Solutions requires the policyholder to be available while filing an auto glass replacement claim to avoid any fraudulent claims. It is important to have your policy number available because the third party administrator may or may not be permitted to access all your insurance policy information. An auto glass replacement claim in Mesa can be filed in just ten to fifteen minutes.

LYNX Services is the second largest third-party glass administrator (TPA). The two largest insurance companies that utilize their service include State Farm and Allstate. Mesa Windshield Replacement is a member of LYNX Services. LYNX Services does not own a Mesa auto glass replacement facility but allows auto glass shops to bid on jobs. What this means, is that if you were to call Allstate or State Farm, to file a auto glass replacement claim they would transfer you to LYNX Services. LYNX Services will take your claim and based off of location and price, send you to that preferred shop. Now, this doesn’t mean that your insurance company will save money.

As I mentioned, LYNX allows shops to bid on jobs, meaning the deeper the discount that you give LYNX, the more profit they will make. Insurance companies have to pay fair and reasonable prices based off of NAGS (National Auto Glass) benchmark pricing. Therefore, State Farm and Allstate tell LYNX Services what they will pay, and any profit in between will be LYNX Services.

Although, Mesa Windshield Replacement is a member of LYNX Services and honors all insurance pricing, some insurance companies such as State Farm does not allow auto glass replacement shops to offer incentives to their policyholders. Because Mesa Windshield Replacement offers $50 Cash Back with any $0 deductible glass replacement insurance claim, LYNX Services reads a disclaimer saying that you have the right to choose your auto glass repair facility but you may want to be sure that they will not be any additional charges. Rest assured, guaranteed, Mesa Windshield Replacement, will never charge you any additional out of pocket expenses. In fact, you will hear us agree to all terms during the conference all between us and LYNX Services.

Funny though, State Farm will accept profits based off of deep discounts but won’t allow windshield repair shops to offer cash incentives to their policyholders direct. Let’s see…It’s ok, if State Farm/LYNX accepts gifts in the form of discounts but not ok for windshield repair shops to give gifts to the customer direct. Ummm. Something seems wrong with this picture.

What are the damages beside glass? Is there are any damages other than the glass? If the answer is yes the policyholder will be required to pay the comprehensive deductible as required by the policy.

Did any person get injured because of these damages?

Did you file a claim with your insurance provider prior to this call? If you only talk to your agent and if there are no other damages there will be no claim number and hence the answer is no.

When did the loss occur? The insurance company can’t pick the date of damage for you. If you don’t know the exact time when the damage occur, state the time when you noticed the damage for the first time or the date when the break spread. Be sure that your coverage didn’t expired on this date of damage. Remember, if you mention the date of damage in the past which is longer than 6 months or so, the insurance provider may have to collect the information regarding this which will take more time and your claim will be delayed.

In what state did the damage take place?

What is the size of the damage area on the windshield? Is it larger than the size of a paper dollar bill? If the answer is yes, then the insurance company will request that you have the windshield repaired versus replaced. It is not clear who will have the final say; You, Arizona Department of Transportation, Insurance Company, or the Windshield Repair Facility. However, we believe that you still have the right to choose. (After all, you pay for the coverage)

Before authorizing an auto glass replacement shop in Mesa, some insurance companies require random inspections of the damage. These inspections are to confirm that the automobile windshield is really broken and to verify that the car windshield in not repairable. First, as I mentioned earlier, you pay the glass premium therefore it should be your right to decide whether your car windshield gets repaired or replaced. Additionally, it sounds like, these insurance companies are trying to make it their right by establishing a new industry practice. However, by law, they have the right to inspect.

Geico, American Family, and now USAA are some of these insurance companies that are participating in this practice. These insurance companies will send out an adjuster to inspect the windshield prior to giving us approval on the replacement. Inspections are fairly quick and in most cases are done within 24 hours. However, we will not be able to schedule your mobile appointment until after this inspection is complete.

These insurance companies state that random inspections are performed for your benefit (keep rate low) and to limit fraudulent claims. However, all windshield claims must be reported by the named policyholder (by you) directly. Your insurance company verifies the policyholder’s identity by various ways such as; date of birth, how many cars on policy, and address. So, they know the policyholder themselves are filing the claim so this helps eliminate “identity theft fraudulent claims.”

Let’s see…Do they think that your car windshield is really not broken and you are in cahoots with a auto glass replacement shop to get $50 bucks? I would bet that the majority of you don’t have that kind of relationship with your windshield repair shop. Or, maybe, your auto glass replacement shop is replacing your broken windshield when it can be repaired. (Remember, you as the policyholder yourself must file the claim and describe the damage) So, that can’t be it.

Besides, if your car windshield is repairable and you want it replaced, its your right to do so. However, insurance companies have decided that a windshield can be repaired as long as the break is smaller then the size of a dollar bill. Now, who gave insurance companies the right to make this decision? Arizona State Law 28-982 was written to protect Arizona drivers and keep driving conditions safe. Everyone knows, (including your insurance company) that a windshield chip repair is NOT a cosmetic fix and will NOT fully disappear. So…If the break is in an area on your windshield that distracts you, then more then likely when the windshield chip repair is completed it will still distract you. Hence, how can that be safe?

Often times in Arizona, regardless if your windshield is broken or not. Windshields in Arizona have known to get what we call “sand blasted” over a period of time. What does a sand blasted windshield look like? Tiny surface pits that cover a large portion of your car windshield. These small pits are not repairable because in order to perform a windshield chip repair the top layer of the glass must have fully broken. Besides, there are way too many of these surface pits that could even be considered for repair. What causes a sand blasted windshield? Arizona sand storms, highway driving, monsoon storms, and even daily driving on the Arizona DIRT roads. What happens if you don’t replace a sand blasted windshield? During the Arizona sunlight (we have some of those days) when you are driving towards the sun, you will notice that your windshield is giving off rays of light through these surface pits that blind you. Now, if you have been driving the Arizona roads for long. you know exactly what we are talking about.

Mesa Windshield Replacement believes that these insurance companies don’t trust you and think that you are somehow in cahoots with Glass Company to make a buck. Realistically, if a policyholder exaggerated the damage on their windshield when filing the claim in order to get it replaced rather than repaired to be eligible for the $50 Cash back incentive, wouldn’t they be smart enough to make the break larger before the inspection? NO!, we DO NOT condone this kind of behavior. That would be just as unethical as the insurance practice.

After filing of the claim, many insurance providers are able to affirm the coverage while reporting the windshield claim and authorize the auto glass replacement shop to do the work and repair the damage. Since the TPA doesn’t have direct access to the policy information some of the insurance companies have to use an offline verification method. In such a case, the insurance company will be emailed by the TPA to verify the coverage and you will be then called back later. In these cases, we are not authorized to do the work until the verification of coverage. The process of verification is usually completed in about 24 hours. In case of an emergency, your agent will be called directly by the Mesa Windshield Replacement to obtain coverage details.